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Terms of Service


Take a Moment to Read our Terms of Service

PLEASE READ THE FOLLOWING TERMS OF SERVICE AGREEMENT CAREFULLY. BY

ACCESSING OR USING OUR SITES AND OUR SERVICES, YOU HEREBY AGREE TO BE

BOUND BY THE TERMS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. IT IS

THE RESPONSIBILITY OF YOU, THE USER, CUSTOMER, OR PROSPECTIVE CUSTOMER

TO READ THE TERMS AND CONDITIONS BEFORE PROCEEDING TO USE THIS SITE. IF

YOU DO NOT EXPRESSLY AGREE TO ALL OF THE TERMS AND CONDITIONS, THEN

PLEASE DO NOT ACCESS OR USE OUR SITES OR OUR SERVICES. THIS TERMS OF

SERVICE AGREEMENT IS EFFECTIVE AS OF .


ACCEPTANCE OF TERMS

The following Terms of Service Agreement (the “TOS”) is a legally binding agreement that shall govern

the relationship with our users and others which may interact or interface with

BestChoiceLifeInsurance.com, also known as BCLI, located at 21455 Pilgrim Road, Chadwick, Illinois

61014 and our subsidiaries and affiliates, in association with the use of the BCLI website, which includes

https://www.bestchoicelifeinsurance.com/, (the “Site”) and its Services, which shall be defined below.

 

DESCRIPTION OF WEBSITE SERVICES OFFERED

The Site is a blog life insurance sales which has the following description:

Providing consumers with up to date life insurance information and premium quotes.

Any and all visitors to our site shall be deemed as “users” of the herein contained Services provided for the

purpose of this Term of Service.

The user acknowledges and agrees that the Services provided and made available through our website and

applications, which may include some mobile applications and that those applications may be made

available on various social media networking sites and numerous other platforms and downloadable

programs, are the sole property of BestChoiceLifeInsurance.com. At its discretion,

BestChoiceLifeInsurance.com may offer additional website Services and/or products, or update, modify or

revise any current content and Services, and this Agreement shall apply to any and all additional Services

and/or products and any and all updated, modified or revised Services unless otherwise stipulated.

BestChoiceLifeInsurance.com does hereby reserve the right to cancel and cease offering any of the

aforementioned Services and/or products. You, as the end user acknowledge, accept and agree that

BestChoiceLifeInsurance.com shall not be held liable for any such updates, modifications, revisions, suspensions

or discontinuance of any of our Services and/or products. Your continued use of the Services provided, afer such

posting of any updates, changes, and/or modifications shall constitute your acceptance of such updates, changes

and/or modifications, and as such, frequent review of this Agreement and any and all applicable terms and

policies should be made by you to ensure you are aware of all terms and policies currently in effect. Should you

not agree to the updated, revised or modified terms, you must stop using the provided Services forthwith.

Furthermore, the user understands, acknowledges and agrees that the Services offered shall be provided “AS IS”

and as such BestChoiceLifeInsurance.com shall not assume any responsibility or obligation on for the Timeliness,

missed delivery, deletion and/or any failure to store user content, communication or personalization settings.


PRIVACY POLICY

Every member’s registration data and various other personal information are strictly protected by the

BestChoiceLifeInsurance.com Online Privacy Policy (see the full Privacy Policy at

https://www.bestchoicelifeinsurance.com/our-privacy-statement/). As a member, you herein consent to the

collection and use of the information provided, including the transfer of information within the United

States and/or other countries for storage, processing or use by BestChoiceLifeInsurance.com and/or our

subsidiaries and affiliates.


CAUTIONS FOR GLOBAL USE AND EXPORT AND IMPORT COMPLIANCE

Due to the global nature of the internet, through the use of our network you hereby agree to comply with all

local rules relating to online conduct and that which is considered acceptable Content. Uploading, posting

and/or transferring of software, technology and other technical data may be subject to the export and import

laws of the United States and possibly other countries. Through the use of our network, you thus agree to

comply with all applicable export and import laws, statutes and regulations, including, but not limited to,

the Export Administration Regulations (https://www.access.gpo.gov/bis/ear/ear_data.html), as well as the

sanctions control program of the United States (https://www.treasury.gov/resourcecenter/

sanctions/Programs/Pages/Programs). Furthermore, you state and pledge that you:

  1. a) are not on the list of prohibited individuals which may be identified on any government export

exclusion report (https://www.bis.doc.gov/complianceandenforcement/liststocheck.htm) nor a member of

any other government which may be part of an export-prohibited country identified in applicable

export and import laws and regulations;

  1. b) agree not to transfer any software, technology or any other technical data through the use of our

network Services to any export-prohibited country;

  1. c) agree not to use our website network Services for any military, nuclear, missile, chemical or

biological weaponry end uses that would be a violation of the U.S. export laws; and

  1. d) agree not to post, transfer nor upload any software, technology or any other technical data which

would be in violation of the U.S. or other applicable export and/or import laws.


CONTENT PLACED OR MADE AVAILABLE FOR COMPANY SERVICES

BestChoiceLifeInsurance.com shall not lay claim to ownership of any content submitted by any visitor or

user, nor make such content available for inclusion on our website Services. Therefore, you hereby grant

and allow for BestChoiceLifeInsurance.com the below listed worldwide, royalty-free and non-exclusive

licenses, as applicable:

  1. a) The content submitted or made available for inclusion on the publicly accessible areas of

BestChoiceLifeInsurance.com’s sites, the license provided to permit to use, distribute, reproduce,

modify, adapt, publicly perform and/or publicly display said Content on our network Services is for

the sole purpose of providing and promoting the specific area to which this content was placed

and/or made available for viewing. This license shall be available so long as you are a member of

BestChoiceLifeInsurance.com’s sites, and shall terminate at such time when you elect to discontinue

your membership.

  1. b) Photos, audio, video and/or graphics submitted or made available for inclusion on the publicly

accessible areas of BestChoiceLifeInsurance.com’s sites, the license provided to permit to use,

distribute, reproduce, modify, adapt, publicly perform and/or publicly display said Content on our

network Services are for the sole purpose of providing and promoting the specific area in which this

content was placed and/or made available for viewing. This license shall be available so long as you

are a member of BestChoiceLifeInsurance.com’s sites and shall terminate at such time when you

elect to discontinue your membership.

  1. c) For any other content submitted or made available for inclusion on the publicly accessible areas of

BestChoiceLifeInsurance.com’s sites, the continuous, binding and completely sub-licensable license

which is meant to permit to use, distribute, reproduce, modify, adapt, publish, translate, publicly

perform and/or publicly display said content, whether in whole or in part, and the incorporation of

any such Content into other works in any arrangement or medium current used or later developed.

Those areas which may be deemed “publicly accessible” areas of BestChoiceLifeInsurance.com’s sites are

those such areas of our network properties which are meant to be available to the general public, and which

would include message boards and groups that are openly available to users.


CONTRIBUTIONS TO COMPANY WEBSITE

BestChoiceLifeInsurance.com provides an area for our users to contribute feedback to our website. When

you submit ideas, documents, suggestions and/or proposals (“Contributions”) to our site, you acknowledge

and agree that:

  1. a) your contributions do not contain any type of confidential or proprietary information;
  2. b) BCLI shall not be liable or under any obligation to ensure or maintain confidentiality, expressed or

implied, related to any Contributions;

  1. c) BCLI shall be entitled to make use of and/or disclose any such Contributions in any such manner as

they may see fit;

  1. d) the contributor’s Contributions shall automatically become the sole property of BCLI; and
  2. e) BCLI is under no obligation to either compensate or provide any form of reimbursement in any

manner or nature.


INDEMNITY

All users herein agree to insure and hold BestChoiceLifeInsurance.com, our subsidiaries, affiliates, agents,

employees, officers, partners and/or licensors blameless or not liable for any claim or demand, which may

include, but is not limited to, reasonable attorney fees made by any third party which may arise from any

content a user of our site may submit, post, modify, transmit or otherwise make available through our

Services, the use of BCLI Services or your connection with these Services, your violations of the Terms of

Service and/or your violation of any such rights of another person.


COMMERCIAL REUSE OF SERVICES

The user herein agrees not to replicate, duplicate, copy, trade, sell, resell nor exploit for any commercial

reason any part, use of, or access to BCLI’s sites.


MODIFICATIONS

BestChoiceLifeInsurance.com shall reserve the right at any time it may deem fit, to modify, alter and or

discontinue, whether temporarily or permanently, our service, or any part thereof, with or without prior

notice. In addition, we shall not be held liable to you or to any third party for any such alteration,

modification, suspension and/or discontinuance of our Services, or any part thereof.


ADVERTISERS

Any correspondence or business dealings with, or the participation in any promotions of, advertisers located

on or through our Services, which may include the payment and/or delivery of such related goods and/or

Services, and any such other term, condition, warranty and/or representation associated with such dealings,

are and shall be solely between you and any such advertiser. Moreover, you herein agree that

BestChoiceLifeInsurance.com shall not be held responsible or liable for any loss or damage of any nature

or manner incurred as a direct result of any such dealings or as a result of the presence of such advertisers

on our website.


LINKS

Either BestChoiceLifeInsurance.com or any third parties may provide links to other websites and/or

resources. Thus, you acknowledge and agree that we are not responsible for the availability of any such

external sites or resources, and as such, we do not endorse nor are we responsible or liable for any content,

products, advertising or any other materials, on or available from such third party sites or resources.

Furthermore, you acknowledge and agree that BestChoiceLifeInsurance.com shall not be responsible or

liable, directly or indirectly, for any such damage or loss which may be a result of, caused or allegedly to be

caused by or in connection with the use of or the reliance on any such content, goods or Services made

available on or through any such site or resource.


PROPRIETARY RIGHTS

You do hereby acknowledge and agree that BestChoiceLifeInsurance.com’s Services and any essential

software that may be used in connection with our Services (“Software”) shall contain proprietary and

confidential material that is protected by applicable intellectual property rights and other laws. Furthermore,

you herein acknowledge and agree that any Content which may be contained in any advertisements or

information presented by and through our Services or by advertisers is protected by copyrights, trademarks,

patents or other proprietary rights and laws. Therefore, except for that which is expressly permitted by

applicable law or as authorized by BestChoiceLifeInsurance.com or such applicable licensor, you agree not

to alter, modify, lease, rent, loan, sell, distribute, transmit, broadcast, publicly perform and/or created any

plagiaristic works which are based on BestChoiceLifeInsurance.com Services (e.g. Content or Software), in

whole or part.

BestChoiceLifeInsurance.com herein has granted you personal, non-transferable and non-exclusive rights

and/or license to make use of the object code or our Software on a single computer, as long as you do not,

and shall not, allow any third party to duplicate, alter, modify, create or plagiarize work from, reverse

engineer, reverse assemble or otherwise make an attempt to locate or discern any source code, sell, assign,

sublicense, grant a security interest in and/or otherwise transfer any such right in the Software.

Furthermore, you do herein agree not to alter or change the Software in any manner, nature or form, and as

such, not to use any modified versions of the Software, including and without limitation, for the purpose of

obtaining unauthorized access to our Services. Lastly, you also agree not to access or attempt to access our

Services through any means other than through the interface which is provided by

BestChoiceLifeInsurance.com for use in accessing our Services.


WARRANTY DISCLAIMERS

YOU HEREIN EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

  1. a) THE USE OF BESTCHOICELIFEINSURANCE.COM SERVICES AND SOFTWARE ARE AT

THE SOLE RISK BY YOU. OUR SERVICES AND SOFTWARE SHALL BE PROVIDED ON

AN “AS IS” AND/OR “AS AVAILABLE” BASIS. BESTCHOICELIFEINSURANCE.COM AND

OUR SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND

LICENSORS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OF ANY KIND

WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANY

IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR

PURPOSE AND NON-INFRINGEMENT.

  1. b) BESTCHOICELIFEINSURANCE.COM AND OUR SUBSIDIARIES, OFFICERS, EMPLOYEES,

AGENTS, PARTNERS AND LICENSORS MAKE NO SUCH WARRANTIES THAT (i)

BESTCHOICELIFEINSURANCE.COM SERVICES OR SOFTWARE WILL MEET YOUR

REQUIREMENTS; (ii) BESTCHOICELIFEINSURANCE.COM SERVICES OR SOFTWARE

SHALL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (iii) THAT SUCH

RESULTS WHICH MAY BE OBTAINED FROM THE USE OF THE

BESTCHOICELIFEINSURANCE.COM SERVICES OR SOFTWARE WILL BE ACCURATE

OR RELIABLE; (iv) QUALITY OF ANY PRODUCTS, SERVICES, ANY INFORMATION OR

OTHER MATERIAL WHICH MAY BE PURCHASED OR OBTAINED BY YOU THROUGH

OUR SERVICES OR SOFTWARE WILL MEET YOUR EXPECTATIONS; AND (v) THAT

ANY SUCH ERRORS CONTAINED IN THE SOFTWARE SHALL BE CORRECTED.

  1. c) ANY INFORMATION OR MATERIAL DOWNLOADED OR OTHERWISE OBTAINED BY

WAY OF BESTCHOICELIFEINSURANCE.COM SERVICES OR SOFTWARE SHALL BE

ACCESSED BY YOUR SOLE DISCRETION AND SOLE RISK, AND AS SUCH YOU SHALL

BE SOLELY RESPONSIBLE FOR AND HEREBY WAIVE ANY AND ALL CLAIMS AND

CAUSES OF ACTION WITH RESPECT TO ANY DAMAGE TO YOUR COMPUTER AND/OR

INTERNET ACCESS, DOWNLOADING AND/OR DISPLAYING, OR FOR ANY LOSS OF

DATA THAT COULD RESULT FROM THE DOWNLOAD OF ANY SUCH INFORMATION

OR MATERIAL.

  1. d) NO ADVICE AND/OR INFORMATION, DESPITE WHETHER WRITTEN OR ORAL, THAT

MAY BE OBTAINED BY YOU FROM BESTCHOICELIFEINSURANCE.COM OR BY WAY

OF OR FROM OUR SERVICES OR SOFTWARE SHALL CREATE ANY WARRANTY NOT

EXPRESSLY STATED IN THE TOS.

  1. e) A SMALL PERCENTAGE OF SOME USERS MAY EXPERIENCE SOME DEGREE OF

EPILEPTIC SEIZURE WHEN EXPOSED TO CERTAIN LIGHT PATTERNS OR

BACKGROUNDS THAT MAY BE CONTAINED ON A COMPUTER SCREEN OR WHILE

USING OUR SERVICES. CERTAIN CONDITIONS MAY INDUCE A PREVIOUSLY

UNKNOWN CONDITION OR UNDETECTED EPILEPTIC SYMPTOM IN USERS WHO HAVE

SHOWN NO HISTORY OF ANY PRIOR SEIZURE OR EPILEPSY. SHOULD YOU, ANYONE

YOU KNOW OR ANYONE IN YOUR FAMILY HAVE AN EPILEPTIC CONDITION, PLEASE

CONSULT A PHYSICIAN IF YOU EXPERIENCE ANY OF THE FOLLOWING SYMPTOMS

WHILE USING OUR SERVICES: DIZZINESS, ALTERED VISION, EYE OR MUSCLE

TWITCHES, LOSS OF AWARENESS, DISORIENTATION, ANY INVOLUNTARY

MOVEMENT, OR CONVULSIONS.


LIMITATION OF LIABILITY

YOU EXPLICITLY ACKNOWLEDGE, UNDERSTAND AND AGREE THAT

BESTCHOICELIFEINSURANCE.COM AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS,

EMPLOYEES, AGENTS, PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR

ANY PUNITIVE, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY

DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES WHICH MAY BE RELATED TO

THE LOSS OF ANY PROFITS, GOODWILL, USE, DATA AND/OR OTHER INTANGIBLE LOSSES,

EVEN THOUGH WE MAY HAVE BEEN ADVISED OF SUCH POSSIBILITY THAT SAID

DAMAGES MAY OCCUR, AND RESULT FROM:

  1. a) THE USE OR INABILITY TO USE OUR SERVICE;
  2. b) THE COST OF PROCURING SUBSTITUTE GOODS AND SERVICES;
  3. c) UNAUTHORIZED ACCESS TO OR THE ALTERATION OF YOUR TRANSMISSIONS

AND/OR DATA;

  1. d) STATEMENTS OR CONDUCT OF ANY SUCH THIRD PARTY ON OUR SERVICE;
  2. e) AND ANY OTHER MATTER WHICH MAY BE RELATED TO OUR SERVICE.


RELEASE

In the event you have a dispute, you agree to release BestChoiceLifeInsurance.com (and its officers,

directors, employees, agents, parent subsidiaries, affiliates, co-branders, partners and any other third

parties) from claims, demands and damages (actual and consequential) of every kind and nature, known and

unknown, suspected or unsuspected, disclosed and undisclosed, arising out of or in any way connected to

such dispute.


SPECIAL ADMONITION RELATED TO FINANCIAL MATTERS

Should you intend to create or to join any service, receive or request any such news, messages, alerts or

other information from our Services concerning companies, stock quotes, investments or securities, please

review the above Sections Warranty Disclaimers and Limitations of Liability again. In addition, for this

particular type of information, the phrase “Let the investor beware” is appropriate.

BestChoiceLifeInsurance.com’s content is provided primarily for informational purposes, and no content

that shall be provided or included in our Services is intended for trading or investing purposes.

BestChoiceLifeInsurance.com and our licensors shall not be responsible or liable for the accuracy,

usefulness or availability of any information transmitted and/or made available by way of our Services, and

shall not be responsible or liable for any trading and/or investment decisions based on any such

information.


EXCLUSION AND LIMITATIONS

THERE ARE SOME JURISDICTIONS WHICH DO NOT ALLOW THE EXCLUSION OF CERTAIN

WARRANTIES OR THE LIMITATION OF EXCLUSION OF LIABILITY FOR INCIDENTAL OR

CONSEQUENTIAL DAMAGES. THEREFORE, SOME OF THE ABOVE LIMITATIONS OF

SECTIONS WARRANTY DISCLAIMERS AND LIMITATION OF LIABILITY MAY NOT APPLY TO

YOU.


THIRD PARTY BENEFICIARIES

You herein acknowledge, understand and agree, unless otherwise expressly provided in this TOS, that there

shall be no third-party beneficiaries to this agreement.


NOTICE

BestChoiceLifeInsurance.com may furnish you with notices, including those with regards to any changes to

the TOS, including but not limited to email, regular mail, MMS or SMS, text messaging, postings on our

website Services, or other reasonable means currently known or any which may be herein after developed.

Any such notices may not be received if you violate any aspects of the TOS by accessing our Services in an

unauthorized manner. Your acceptance of this TOS constitutes your agreement that you are deemed to have

received any and all notices that would have been delivered had you accessed our Services in an authorized

manner.


TRADEMARK INFORMATION

You herein acknowledge, understand and agree that all of the BestChoiceLifeInsurance.com trademarks,

copyright, trade name, service marks, and other BestChoiceLifeInsurance.com logos and any brand

features, and/or product and service names are trademarks and as such, are and shall remain the property of

BestChoiceLifeInsurance.com. You herein agree not to display and/or use in any manner the

BestChoiceLifeInsurance.com logo or marks without obtaining BestChoiceLifeInsurance.com’s prior

written consent.


COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT CLAIMS NOTICE 
& PROCEDURES

BestChoiceLifeInsurance.com will always respect the intellectual property of others, and we ask that all of

our users do the same. With regards to appropriate circumstances and at its sole discretion,

BestChoiceLifeInsurance.com may disable and/or terminate the accounts of any user who violates our TOS

and/or infringes the rights of others. If you feel that your work has been duplicated in such a way that

would constitute copyright infringement, or if you believe your intellectual property rights have been

otherwise violated, you should provide to us the following information:

  1. a) The electronic or the physical signature of the individual that is authorized on behalf of the owner of

the copyright or other intellectual property interest;

  1. b) A description of the copyrighted work or other intellectual property that you believe has been

infringed upon;

  1. c) A description of the location of the site which you allege has been infringing upon your work;
  2. d) Your physical address, telephone number, and email address;
  3. e) A statement, in which you state that the alleged and disputed use of your work is not authorized by

the copyright owner, its agents or the law;

  1. f) And finally, a statement, made under penalty of perjury, that the aforementioned information in your

notice is truthful and accurate, and that you are the copyright or intellectual property owner,

representative or agent authorized to act on the copyright or intellectual property owner’s behalf.


CLOSED CAPTIONING

BE IT KNOWN, that BestChoiceLifeInsurance.com complies with all applicable Federal Communications

Commission rules and regulations regarding the closed captioning of video content. For more information,

please visit our website at https://www.bestchoicelifeinsurance.com/.


GENERAL INFORMATION


ENTIRE AGREEMENT

This TOS constitutes the entire agreement between you and BestChoiceLifeInsurance.com and shall govern

the use of our Services, superseding any prior version of this TOS between you and us with respect to

BestChoiceLifeInsurance.com Services. You may also be subject to additional terms and conditions that

may apply when you use or purchase certain other BestChoiceLifeInsurance.com Services, affiliate

Services, third-party content or third-party software.


CHOICE OF LAW AND FORUM

It is at the mutual agreement of both you and BestChoiceLifeInsurance.com with regard to the TOS that the

relationship between the parties shall be governed by the laws of the state of Illinois without regard to its

conflict of law provisions and that any and all claims, causes of action and/or disputes, arising out of or

relating to the TOS, or the relationship between you and BestChoiceLifeInsurance.com, shall be filed

within the courts having jurisdiction within the County of Whiteside, Illinois or the U.S. District Court

located in said state. You and BestChoiceLifeInsurance.com agree to submit to the jurisdiction of the courts

as previously mentioned, and agree to waive any and all objections to the exercise of jurisdiction over the

parties by such courts and to venue in such courts.


WAIVER AND SEVERABILITY OF TERMS

At any time, should BestChoiceLifeInsurance.com fail to exercise or enforce any right or provision of the

TOS, such failure shall not constitute a waiver of such right or provision. If any provision of this TOS is

found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should

endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the

TOS remain in full force and effect.


STATUTE OF LIMITATIONS

You acknowledge, understand and agree that regardless of any statute or law to the contrary, any claim or

action arising out of or related to the use of our Services or the TOS must be filed within 5 year(s) after said

claim or cause of action arose or shall be forever barred.